Thanks to human nature (no, people are not by nature "good"), some restraint is absolutely required. I prefer social contracts over govt (early America had very little formal govt above the county level for the 1st 150 years).

Paine's problem is that once he sanctioned govt, he had to find a way to pay for it. His later tract, Agrarian Justice, gave following generations the justification to steal from their neighbors through property tax. Bastiat had to deal with it in France 70 years later.